At Bayshore Mortgage Funding, LLC, we offer a range of loan programs tailored to meet the diverse needs of our clients. Whether you are a first-time homebuyer or an experienced investor, our loan programs provide flexibility and competitive rates. Here are some of the loan programs we offer:

1. Conventional Loans: These are traditional mortgage loans that are not insured or guaranteed by the government. They typically require a higher credit score and a down payment of at least 3%. Conventional loans offer fixed or adjustable interest rates and can be used for purchasing or refinancing a home.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are designed to make homeownership more accessible, particularly for first-time buyers. They offer flexible credit requirements, lower down payment options (as low as 3.5%), and competitive interest rates. FHA loans are available for purchasing or refinancing primary residences.

3. VA Loans: Exclusively available to veterans, active-duty military personnel, and eligible surviving spouses, VA loans are provided by private lenders and guaranteed by the Department of Veterans Affairs. These loans offer flexible terms, no down payment requirements, and competitive interest rates. VA loans can be used for purchasing or refinancing primary residences.

4. USDA Loans: The United States Department of Agriculture offers USDA loans to encourage homeownership in rural areas. These loans provide competitive rates, zero down payment options, and reduced mortgage insurance premiums. USDA loans are intended for low-to-moderate-income borrowers and can be used for purchasing or refinancing properties in eligible rural areas.

5. Jumbo Loans: If you're looking to finance a high-value property, our jumbo loan program can provide the necessary funds. Jumbo loans exceed the loan limits set by Fannie Mae and Freddie Mac, allowing you to borrow larger amounts for luxury properties or homes in expensive markets.

6. Adjustable Rate Mortgages (ARMs): ARMs offer lower initial interest rates for an initial fixed term, after which the rate adjusts periodically. These loans are suitable for borrowers who plan to sell or refinance their homes within a specific timeframe or anticipate changes in their financial situation.

Please note that eligibility requirements and loan terms may vary. Our experienced loan officers are available to provide personalized guidance and assist you in selecting the loan program that best suits your needs. Reach out to our team to learn more about our loan programs and how they can support your homeownership goals.